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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,058 | $56,054-48.2% | $171,082-83.0% | $62,881-53.8% |
| Participation rate | 21.8% | 62.9%-41.1pp | 76.7%-54.9pp | 69.3%-47.5pp |
| Annual return | 4.83% | 22.52%-17.7pp | 32.56%-27.7pp | 20.14%-15.3pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $916 | $3,158-71.0% | $4,797-80.9% | $3,203-71.4% |
| Admin fee / account holder | $3,063 | $3,647-16.0% | $8,520-64.1% | $4,296-28.7% |